Adam R. Moldof is a Financial Consultant with Wachovia Securities located at (901 East Las Olas Blvd suite 101, Ft Lauderdale FL 33301). Adam has almost a decade of experience in the financial services industry. Partnered with his father Michael who has been servicing clients financial needs for over 25 years. Together the father and son focus on wealth accumulation and preservation helping clients with the most appropriate balance of income and growth that is in line with their needs and objectives. It is their personal attention to detail and service that they feel differentiates them from the competition. Wachovia Securities brings to our individual, corporate, and institutional clients a distinguished heritage in full-service brokerage, asset management, and access to lending, trust, and banking services through our affiliate. We help our clients make the most of their existing and potential assets by offering sound investment advice and providing the highest level of service. We prosper by helping you prosper. That simple fact is at the center of everything we do. We listen and respond to your financial needs and have the knowledge and resources to help you take control of your financial future. Our Mission - To combine the strength and heritage of our firm with our insight, concern, and experience to give clients objective, individualized advice and service that will help them achieve their long-term financial goals. We look forward to helping and servicing our community for many years to come. Broad Range of Services Tax Free Municipal Bonds - Financial Planning - Cash Management - Liability Management - Personal Trust Powers in all 50 States - Wealth Management Services - Insurance and Annuities - Retirement Planning - Estate Planning Wachovia Securities LLC is the third Largest Brokerage Firm in America; $5.9 Million Retail Client Accounts; Over $560 Billion in Client Assets A PLAN When it comes to having a plan, there are those that have the rule of thumb for allocating assets… You could take your age and use that as your bond allocation and then take the difference between your age and 100 and make that your stock allocation You could put 30% each in stocks, bonds, and cash. You could invest with your gut and buy a bond here, a stock there, and have a few mutual funds on the side… If only it were that simple. And if only everyone had the same exact needs, approach to risk and life goals, and only, if only life did not throw out its cards in the random way it so clearly does. This is why helping people find the investments that fit their lives, regardless of the investment product, We believe a plan may be the most important element. A plan is a coherent strategy customized to meet your specific needs. It begins when together; we discover who you are and where you want to go. And as much as the casual conversations you have with me are a part of building my relationship with you, creating a plan requires more. A plan is about answering series of questions about where you are now, financially and where you want to be 5, 10,15,30 years down the road A plan is deciding that a managed equity account is the way to invest stocks and then choosing a portfolio of investment managers whose investment style match yours and allowing them to choose the individual securities for your portfolio. A plan is creating a laddered bond portfolio and reinvesting each year when you have the funds-regardless of where rates are at the time. A plan is about trying to diversify among truly diversifiable securities that do not go up and down together. A plan is about the decision to buy, sell, hold, trade, kick a security out of a portfolio when price performance warrants, but essentially being in the market through thick and thin and eschewing market timing. A plan is about deciding now to plan for medical expenses that you may encounter twenty years from now by buying long term care insurance. A plan is about deciding it is not just making money that counts. The trick is holding on to it. Talk to us about creating a plan… Michael H. Moldof, Senior Vice President~Investments Adam R. Moldof, Financial Consultant Wachovia Securities 901 East Las Olas Blvd, Suite 101 Fort Lauderdale, FL 33301 954.467.6800 EXT 219 Adam.Moldof@Wachoviasec.com Visit our website